A couple observations of my own:
- Epidemiology and averages probably shouldn't guide your decision to wear a helmet. There's a good chance you are not average.
- I'm a riskier rider with a helmet on, I think. Riding without a helmet makes me think more often about death and dismemberment, which is a good thing (Fela Kuti).
- Rebound effects (the tendency to increase risky behavior in response to improved safety equipment) notwithstanding , my gut tells me that wearing a helmet is smarter than not wearing one.